Social mortgage: how things work in the regions?

Social mortgage - a program that allows you to improve living conditions, with state financial support and mortgage lending. To improve housing conditions, we establish a social norm - 18 square meters. m per person. Waiting list - those people who stand in line for improving their living conditions, they can take advantage of social mortgage in the first place. But the program of social mortgage shall also apply to young families, military office, public sector employees. Variants of the social mortgage: - providing grants that can cover part of the value of the property acquired under the mortgage; - discounted prices for the sale of public housing loans - Mortgage subsidy rate on the loan mortgage. The regions are different versions of the social mortgage. The mechanism of mortgages depends on the initiative of local authorities. You can get a consultation with the authorities of the city or area, who are responsible for housing policy. The relevant authorities will be able to advise you on the following issues: - to tell the details of the terms of the social mortgage - calculate the size of the down payment - the size of the loan - loan repayment - monthly payments. There are also mortgage banks, working with local authorities on mortgage programs, which in turn makes their claims to the participants of the program. The requirements relate to: - nationality of a person who takes the credit - residence - length of service - potechnogo insurance - a requirement for persons who are drawing up a mortgage. The Republic of Tatarstan, according to a study of the Criminal Code "YugraFinans, up to 2010 the number of mortgage loans of Tatarstan, has won first place. Total transactions in the country was committed 18,864, while in Moscow, the second largest mortgage loans - 13,510 transactions. Social mortgage in Tatarstan, the action is successful: this situation can be explained reasonably priced real estate in the country, as well as the actions of regional authorities to encourage developers (according to the newspaper "Evening Kazan"). Sakhalin area is estimated Helena Ivashev, Minister of Construction of Sakhalin Region, in 2010 there was the revival of the construction industry in the region. Were put into operation 200 000 m ? of housing. In 2011 the grandiose plans - to increase square footage by 50 thousand to 250. This situation has allowed the bank VTB 24 has a four-fold increase in the volume of mortgage lending in the region. More than 140 families have a happy new housing. Samara region on the press service of the regional governor Vladimir Artyakov, at a meeting held on 16 March, discussed the national project "Affordable and Comfortable Housing - to Russian citizens." It was noted that the region has been put into operation more than 1 million m ? of housing. In connection with further increase in housing construction was adopted by the program "Promotion of Housing Construction in the Samara region in 2011 - 2015 years." In the Volga Federal District, Samara Region has the second largest volume of loans on mortgage. Tyumen Region City officials implemented the program "Social mortgage" and "Compensation of mortgage rates, the implementation of which is allocated 250 million rubles. Authorities suggest that more than 500 residents will be able in 2011 to buy their own apartments with a program on "Social mortgage". Yaroslavl Region According to the regional governor, Sergei Vakhrukov: "The main task - to break the population's attitude to the possibilities of housing loans. New mechanisms that we and the banks offer to improve the demand of the population, are real and must begin to use the public "(according to" Rrossiyskoy newspaper "). Innovation in the organization scheme of mortgage lending in Yaroslavl is the organizing principle of participatory construction. The city even held an event - "Mortgage Saturday" - the presentation of new housing for clients who have received a positive response from the Savings Bank to issue mortgages. In total, according to the "Russian Newspaper", 290,000 mortgages were granted in 2010 in Russia, worth about 370 billion rubles.